I’d never create a new thing without a Resources roll, but I’d happily allow Resources to be rolled to see if the estate can afford the loss of a thing. Succeed? “Sure, there’s a spare sword lying around, m’lord.” Fail? “Er, m’lord, if you take Rolf’s sword he’ll have to go without…” You get taxed because your resources aren’t what you thought, and now you can choose between accepting that or taking the sword (the gift of kindness) and annoying your men.
Property comes with all the accoutrements. An estate has servants and grooms and all the rest. It also has furniture and appropriate decorations. A castle will likely have ornate hangings and large kitchens to whip up feasts. Do they come with finery? No, that’s another item listed under property; if you buy a castle but no clothes you are, for some reason, clad in rags despite being a lord Do they come with horses? No, you have to buy your own. A smithy? It’s complicated. I’d say any castle has a smithy, but you can’t use it; your smith can. If you want a smithy you can use you’re negotiating with the smith or paying for it somehow because you didn’t purchase it with your RPs. The same goes for the arsenal: your property is well stocked with arms until you want to separate the arms from the property and use them as discrete objects, and then you’re testing to see if you can afford to, basically.
In other words, equipping a PC is almost always something meaningful. Equipping an NPC often won’t be, even (or especially) if it’s many nameless NPCs. You can outfit your entire household for free, but you can’t arm your buddy. Your smith can maintain all your men’s gear, but as soon as your buddy wants a crack at the forge you’re rolling or paying.
On the drinking example above, a single drink or drinking the night away are both usually going to be Say Yes moments for me unless drinking the night away somehow matters. Are you carousing and keeping drinks flowing to show what a jolly fellow you are, or your iron constitution, or to get someone drunk and talkative? Then there’s an intent and Resources are the task. Are you doing it because your character is a boisterous big drinker, or a hardened alcoholic, or celebrating a great victory with great drunkenness? There’s no real intent, just flavor; Say Yes.